26WFException—remedial action

#### 26WF Exception—remedial action Access to, or disclosure of, information (1) If: (a) an access to, or disclosure of, information is covered by paragraph 26WE(2)(a); and (b) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, takes action in relation to the access or disclosure; and (c) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, does so before the access or disclosure results in serious harm to any of the individuals to whom the information relates; and (d) as a result of the action, a reasonable person would conclude that the access or disclosure would not be likely to result in serious harm to any of those individuals; the access or disclosure is not, and is taken never to have been: (e) an eligible data breach of the APP entity, credit reporting body, credit provider or file number recipient, as the case may be; or (f) an eligible data breach of any other entity. (2) If: (a) an access to, or disclosure of, information is covered by paragraph 26WE(2)(a); and (b) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, takes action in relation to the access or disclosure; and (c) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, does so before the access or disclosure results in serious harm to a particular individual to whom the information relates; and (d) as a result of the action, a reasonable person would conclude that the access or disclosure would not be likely to result in serious harm to the individual; this Part does not require: (e) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be; or (f) any other entity; to take steps to notify the individual of the contents of a statement that relates to the access or disclosure. Loss of information (3) If: (a) a loss of information is covered by paragraph 26WE(2)(b); and (b) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, takes action in relation to the loss; and (c) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, does so before there is unauthorised access to, or unauthorised disclosure of, the information; and (d) as a result of the action, there is no unauthorised access to, or unauthorised disclosure of, the information; the loss is not, and is taken never to have been: (e) an eligible data breach of the APP entity, credit reporting body, credit provider or file number recipient, as the case may be; or (f) an eligible data breach of any other entity. (4) If: (a) a loss of information is covered by paragraph 26WE(2)(b); and (b) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, takes action in relation to the loss; and (c) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, does so: (i) after there is unauthorised access to, or unauthorised disclosure of, the information; and (ii) before the access or disclosure results in serious harm to any of the individuals to whom the information relates; and (d) as a result of the action, a reasonable person would conclude that the access or disclosure would not be likely to result in serious harm to any of those individuals; the loss is not, and is taken never to have been: (e) an eligible data breach of the APP entity, credit reporting body, credit provider or file number recipient, as the case may be; or (f) an eligible data breach of any other entity. (5) If: (a) a loss of information is covered by paragraph 26WE(2)(b); and (b) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, takes action in relation to the loss; and (c) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be, does so: (i) after there is unauthorised access to, or unauthorised disclosure of, the information; and (ii) before the access or disclosure results in serious harm to a particular individual to whom the information relates; and (d) as a result of the action, a reasonable person would conclude that the access or disclosure would not be likely to result in serious harm to the individual; this Part does not require: (e) the APP entity, credit reporting body, credit provider or file number recipient, as the case may be; or (f) any other entity; to take steps to notify the individual of the contents of a statement that relates to the loss.